Transcription

1 erformanceplus - Maps of 11 8/27/2014 2:02 PM Units: Teacher: BusMath/PersFinance, CORE Course: BusMath/PersFinance Year: Chapter 1: Stock Market Students are introduced to basic business organization terminology in order to read, interpret and chart stock ownership and transaction data. 1-1 Business Organization 1-2 Stock Market Data 1-3 Stock Market Data Charts 1-4 Simple Moving Averages 1-5 Stock Market Ticker 1-6 Stock Transactions 1-7 Stock Transaction Fees 1-8 Stock Splits 1-9 Dividend Income 1-1 Business Organizations What is the basic vocabulary of business organizations? financial responsibility of business ownership based on ratios and percents? 1-2 Stock Market Data How do you use stock data to follow the daily progress of a corporate stock? How do you write spreadsheet formulas? 1-3 Stock Market Data Charts How do you interpret a stock bar chart? How do you create a stock bar chart? How do you interpret a stock candlestick chart? How do you create a stock candlestick chart? 1-4 Simple Moving Averages How is data smoothed? simple moving averages using the arithmetic average formula? simple moving averages using the subtraction and addition method? How do I graph simple moving averages using a spreadsheet? How do I understand stock market ticker information? 1-5 Stock Market Ticker How do I determine the total value of a trade from ticker information? How do I determine trade volumes from ticker information? 1-6 Stock Transactions T - Financial Reporting and Analysis ~ Assess profitability, liquidity, and solvency by calculating and interpreting financial ratios A - Personal Finance Responsibility ~ Evaluate the impact of internal and external influences on financial decisions. CC.2.1.HS.F.1 - Number and Quantity ~ Apply and extend the properties of exponents to solve problems with rational exponents. Quantity ~ Apply properties of rational and irrational numbers to solve real world or mathematical problems. CC.2.1.HS.F.3 - Number and Quantity ~ Apply quantitative reasoning to choose and Interpret units and scales in formulas, graphs and data displays. CC.2.2.HS.C.5 - Functions ~ Construct and compare linear, quadratic and models to solve problems. CC.2.2.HS.D.2 - Algebra ~ Write expressions in equivalent forms to solve problems. CC.2.4.HS.B.1 - Statistics and Probability ~ Summarize, represent, and interpret data on a single count or measurement variable. 1-1 Business Organizations (1 day) Learn the basic vocabulary of business organizations. Compute financial responsibility of business ownership based on ratios and percents 1-2 Stock Market Data (2 days) Use stock data to follow the daily progress of a corporate stock. Write spreadsheet formulas. 1-3 Stock Market Data Charts (3 days) Interpret a stock bar chart. Create a stock bar chart. Interpret a stock candlestick chart. Create a stock candlestick chart. 1-4 Simple Moving Averages (3 days) Understand how data is smoothed. Calculate simple moving averages using the arithmetic average Calculate simple moving averages using the subtraction and addition method. Graph simple moving averages using a spreadsheet. 1-5 Stock Market Ticker (1 day) Understand stock market ticker Determine the total value of a trade from ticker Determine trade volumes from ticker 1-6 Stock Transactions (2 days) Learn the basic Constructing, using, and interpreting algebraic ratios and proportions Given investment ratios of the form r 1. r 2... r n-1. r n-2 and a total T, write and solve the investment equation r + r r n-1 + r n-2 = T and determine the investment amount associated with each ratio Determining, using, and interpreting percent increase/decrease of stock transaction prices Determining, using, and interpreting percent net change of stock transaction prices Constructing and interpreting stock bar and candlestick charts Given a set of n closing prices, p 1, p 2, p 3...p n-1, p n, calculate and interpret d-day simple moving averages by applying the Arithmetic Average Formula and the Subtraction/Addition Method Use and interpret stock market ticker notation of the form SYM PK@D#C where SYM is the corporation symbol, Px1000 is the transaction amount (K=1000), D is the transaction price per share, # is either p (increase) or q (decrease), and C is the change from the previous day s closing price In situations where w represents the purchase price for a set number of shares, y represents the selling price of that same number of shares, and x represents the percent increase/decrease of an investment, use the equation to determine the percent increase of 1-1 Business Organizations Capital, corporation, limited liability, partnership, personally liable profit, public corporation, shareholders, shares of stock, sole proprietorship 1-2 Stock Market Data 52-week high, 52-week low, after-hours trading, cell, close, high, last, low, NASDAQ, net change, NYSE, sales in 100s, spreadsheet, stock market, trades, volume 1-3 Stock Market Data Charts Candlestick chart, stock bar chart, stock chart 1-4 Simple Moving Averages Arithmetic average (mean), crossover, fast moving average, lagging indicators, simple moving average (SMA), slow moving average, smoothing techniques 1-5 Stock Market Ticker Daily money flow, directional arrow, Dow Jones Industrial Average (DJIA), downtick, money flow, negative money flow, net money flow, positive money flow, stock symbol, ticker, ticker symbol, total value of a trade, trading price, trading volume, uptick 1-6 Stock Transactions Gross capital gain, gross capitol loss, odd lot, portfolio, round lot, trade 1-7 Stock Transaction Fees At the market, broker fee, commission, discount broker, limit order, net proceeds, 1-1 Business Organizations Define the basic vocabulary of business organizations Compute financial responsibility of business ownership based on ratios and percents 1-3 Stock Market Data Charts I can interpret a stock bar chart I can create a stock bar chart I can interpret a stock candlestick chart I can create a stock candlestick chart 1-4 Simple Moving Averages I understand how data is smoothed. I can calculate simple moving averages using the arithmetic average I can calculate simple moving averages using the subtraction and addition method. I can graph simple moving averages using a spreadsheet. 1-5 Stock Market Ticker I understand stock market ticker I can determine the total value of a trade from ticker I can determine trade volumes from ticker 1-6 Stock Transactions I can define the basic vocabulary of buying and selling stock. I can calculate gains and losses from stock trades. 1-7 Stock Transaction Fees I can calculate the fees involved in buying and selling stocks. I am familiar with the basic vocabulary of stock trading 1-8 Stock Splits I can calculate the post-split outstanding shares and share price for a traditional split. I can calculate the post-split outstanding shares and share price for a reverse split. I can calculate the fractional value amount that a shareholder receives after a split. 1.1 Create and solve an equation in terms of x. 1.2 Write an expression in terms of x. 1.3 An item usually sells for X dollars. It is marked down to Y dollars. Interpret each of the following algebraic expressions in this context. 1.4 Given A > B > C > D, which of the following has the greatest value? Explain your reasoning. 1.5 Let C be the number of calls per minute, M be the number of minutes, and let T be the total number of calls. 1.6 Solve each literal equation for the indicated variable. 1.7 Twice a number x, increased by 10 equals 52, and 115 less three times the number also equals Given: One-half of x minus one-half of y equals X is the price of an item in dollars. Y is a percent. 9/28/2012

2 2 of 11 8/27/2014 2:02 PM What is the basic vocabulary of buying and selling stock? gains and losses from stock trades? 1-7 Stock Transaction Fees the fees involved in buying and selling stocks? What is the basic vocabulary of stock trading? 1-8 Stock Splits post-split outstanding shares and share price for a traditional split? post-split outstanding shares and share price for a reverse split? fractional value amount that a shareholder receives after a split? 1-9 Dividend Income What is the concept of shareowners splitting the profit for the corporation they own? dividend income? the yield for a given stock? the interest earned on corporate bonds? vocabulary of buying and selling stock. Compute gains and losses from stock trades. 1-7 Stock Transaction Fees (2 days) Compute the fees involved in buying and selling stocks. Become familiar with the basic vocabulary of stock trading. 1-8 Stock Splits (3 days) post-split outstanding shares and share price for a traditional split. post-split outstanding shares and share price for a reverse split. fractional value amount that a shareholder receives after a split. 1-9 Dividend Income (2 days) Understand the concept of shareowners splitting the profit for the corporation they own. Compute dividend income. Compute the yield for a given stock. Compute the interest earned on corporate bonds. an investment In any a-for-b stock split, let P represent the pre-split price per share, calculate the post-split price per share using In any a-for-b stock split, let D represent the pre-split number of shares, calculate the post-split number of shares using stock yield percentage using the formula, where A represents the annual dividend per share and C represents the current price per share stockbroker 1-8 Stock Splits Fractional part of a share, market capitalization (market cap), outstanding shares, penny stock, reverse stock split, stock split, traditional stock split 1-9 Dividend Income Common stock, corporate bonds, dividend, dividend income, face value, growth stock, income stock, matures, preferred stock, yield 1-9 Dividend Income I understand the concept of shareowners splitting the profit for the corporation they own. I can calculate dividend income. I can calculate the yield for a given stock. I can calculate the interest earned on corporate bonds. ing A Business Statistical analysis plays a very important role in the modeling of a business. Using linear, quadratic, and regression in that process assist students in getting a complete picture of supply, demand, expense, revenue, and profit as they relate to the sale of a product. 2-1 Interpret Scatterplots 2-2 Linear 2-3 Supply and Demand 2-4 Fixed and Variable Expenses 2-5 Graphs of Expense and Revenue Functions 2-6 Breakeven Analysis 2-7 The Profit Equation 2-8 Mathematically ing a Business 2-1 Interpret Scatterplots How do I graph bivariate data?how do I interpret trends based on scatterplots?how do I draw lines and curves of best fit? 2-2 Linear How can I fit a regression line to a scatterplot?how do I find and interpret correlation coefficients?how do I make predictions based on lines of best fit? 2-3 Supply and Demand R - Financial Reporting and Analysis ~ Explain the primary areas of analysis (trend analysis, profitability, liquidity, capital structure) and the information that can be obtained from each. CC.2.2.HS.C.1 - Functions ~ Use the concept and notation of to interpret and apply them in terms of their context. CC.2.2.HS.C.5 - Functions ~ Construct and compare linear, quadratic and models to solve problems. CC.2.2.HS.C.6 - Functions ~ Interpret in terms of the situation they model. CC.2.2.HS.D.7 - Algebra ~ Create and graph or inequalities to describe numbers or relationships. CC.2.2.HS.D.10 - Algebra ~ 2-1 Interpret Scatterplots Graph bivariate data.interpret trends based on scatterplots.draw lines and curves of best fit. 2-2 Linear Be able to fit a regression line to a scatterplot.find and interpret correlation coefficients.make predictions based on lines of best fit. 2-3 Supply and Demand Understand the slopes of supply Constructing and interpreting scatterplots Operations with Evaluating and using them to model situations Translating verbal situations into algebraic linear Translating verbal situations into quadratic Creating rational of the form f(x) = mx+b/x Translating verbal situations into linear and 2-1 Interpret Scatterplots Bivariate data, causal relationship, correlation, data, explanatory variable, negative correlation, positive correlation, response variable, scatterplot, trend, univariate data 2-2 Linear Correlation coefficient, domain, extrapolation, interpolation, least squares line, linear regression line, line of best fit, moderate correlation, range, strong correlation, weak correlation 2-1 Interpret Scatterplots I can graph bivariate data. I can interpret trends based on scatterplots. I can draw lines and curves of best fit. 2-2 Linear I can fit a regression line to a scatterplot. I can find and interpret correlation coefficients. I can make predictions based on lines of best fit. 2-1 Interpret Scatterplots 2-2 Linear 2-3 Supply and Demand 2-4 Fixed and Variable Expenses 2-5 Graphs of Expense and Revenue Functions 2-6 Breakeven Analysis 2.7 The Profit Equation 2-8 Mathematically

3 3 of 11 8/27/2014 2:02 PM What are the slopes of supply and demand curves?how do I find points of equilibrium? Represent, solve and interpret /inequalities and systems of /inequalities algebraically and graphically. and demand curves. Find points of equilibrium. 2-4 Fixed and Variable Expenses Understand the differences between fixed and variable expenses. Create an expense equation based on fixed and variable expenses. 2-5 Graphs of Expense and Revenue Functions Write, graph, and interpret the expense function. Write, graph, and interpret the revenue function. Identify the point of intersection of the expense and revenue. Identify breakeven points and explain them in the context of the problem. 2-6 Breakeven Analysis Determine the breakeven prices and amounts using technology and/or algebra. 2-7 The Profit Equation Determine a profit equation given the expense and revenue. Determine the maximum profit and the price at which that maximum is attained. quadratic inequalities Identifying domains for which f(x) > g(x), f(x) = g(x), and f(x) < g(x) Identifying form, direction, and strength from a scatterplot Finding, interpreting, and graphing linear regression Determining domains for which prediction using a regression line is considered extrapolating or interpolating Finding and interpreting the Pearson Product- Moment Coefficient of Correlation Finding the axis of symmetry, vertex, roots, and the concavity of parabolic curves Using the quadratic formula Finding and interpreting quadratic regression Solving linearquadratic systems of and inequalities Finding absolute and relative extrema 2-3 Supply and Demand Solving linear systems of Demand, demand and function, equilibrium, inequalities function, markup, retail price, shift, supply, Solving systems wholesale price, widget of linear and inequalities in two variables 2-4 Fixed and Variable Expenses Breakeven point, expense equation, fixed expenses, loss, profit, revenue, revenue equation, variable expenses 2-5 Graphs of Expense and Revenue Functions Axis of symmetry, leading coefficient, maximum value, nonlinear function, parabola, quadratic equation, second degree equation, vertex of a parabola 2-6 Breakeven Analysis Quadratic formula, zero net difference 2-7 The Profit Equation Maximum profit, profit 2-8 Mathematically ing a Business Dependence, transitive property of dependence 2-3 Supply and Demand I understand the slopes of supply and demand curves. I can find points of equilibrium. 2-4 Fixed and Variable Expenses I understand the differences between fixed and variable expenses. I can create an expense equation based on fixed and variable expenses. 2-5 Graphs of Expense and Revenue Functions I can write, graph, and interpret the expense function. I can write, graph, and interpret the revenue function. I can identify the point of intersection of the expense and revenue. I can identify breakeven points and explain them in the context of the problem. 2-6 Breakeven Analysis I can determine the breakeven prices and amounts using technology and/or algebra. 2-7 The Profit Equation I can determine a profit equation given the expense and revenue. I can determine the maximum profit and the price at which that maximum is attained. 2-8 Mathematically ing a Business I can recognize the transitive property of dependence as it is used in a business model. I can use multiple pieces of information,, and methodologies to model a new business. ing a Business 2-8 Mathematically ing a Business Recognize the transitive property of dependence as it is used in a business model. Use multiple pieces of information,, and methodologies to model a new business. Causation vs. correlation for bivariate data Identifying explanatory and response variables Identifying and diagramming lurking variables Using the slopeintercept form of a linear equation y=mx+b Interpreting slope as a rate of change Using the transitive property of dependence Determining the zero net difference Writing algebraic formulas for use in spreadsheets Rational Expressions Algebraic fractions, ratios, and proportions Writing literal Solving linear and inequalities Calculating moving averages Reading and interpreting data in pictorial

4 4 of 11 8/27/2014 2:02 PM representations Algebraic representations of percent, percent increase and percent decrease Expressing averages as rational Translating verbal expressions into algebraic formulas for use in a spreadsheet Chapter 3: Banking Services Banks offer a complete array of paper and electronic services that make access to money easy. In this chapter, students learn the function and computation of interest in short-term, long-term, and accounts. 3-2 Reconcile a Bank Statement 3-4 Explore Compound Interest 3-5 Compound Interest Formula Compounding 3-7 Future Value of 3-8 Present Value of How do checking accounts work? How do you complete a check register? 3-2 Reconcile a Bank Statement How do I reconcile a checking account with a bank statement by hand and by using a spreadsheet? What is the basic vocabulary of savings accounts? simple interest using the simple interest formula? 3-4 Explore Compound Interest What is the concept of getting interest on your interest? using a table? 3-5 Compound Interest Formula How do I become familiar with the derivation of the formula? How do I make computations using the compound interest formula? Compounding interest on an account that is continuously compounded? 3-7 Future Value of Investment future value of a B - Personal Finance Responsibility ~ Analyze financial decisions for major purchasing events occurring at different stages in life, systematically considering alternatives and consequences G - Money Management / Credit and Debt ~ Identify strategies for personal financial management X - Financial Reporting and Analysis ~ Analyze and perform breakeven and cost benefit analyses to support financial decisions. CC.2.2.HS.D.7 - Algebra ~ Create and graph or inequalities to describe numbers or relationships. Quantity ~ Apply properties of rational and irrational numbers to solve real world or mathematical problems. CC.2.2.HS.D.2 - Algebra ~ Write expressions in equivalent forms to solve problems. Understand how checking accounts work. Complete a check register. 3-2 Reconcile a Bank Statement Reconcile a checking account with a bank statement by hand and by using a spreadsheet. Learn the basic vocabulary of savings accounts. Compute simple interest using the simple interest 3-4 Explore Compound Interest Understand the concept of getting interest on your interest. Compute using a table. 3-5 Compound Interest Formula Become familiar with the derivation of the compound interest Make computations using the 3-6 Continuous Compounding Compute interest on an account that is continuously compounded 3-7 Future Using the simple interest formula I=PRT and its algebraic equivalents Understanding compounding via iterationderiving the formulacomputing with and without the formula Applying the formula Introduction to limit notation Approximating e by examining the sequence{(1+1/x) x } Defining the natural base e using the rational and expression limit notation Applying the natural base e in the continuous compounding formula B = Pe rt Identifying y = ax b as decay when x < 1 Identifying y = ax b as growth when x > 1 ing a geometric series Graphing of the type y = ax b Analyzing rational and their limits Using the formula to derive the investment formula Using the formula to derive the investment formula Using the future deposit investment Automatic teller machine (ATM), canceled, check, check clearing, checking account, check register, credit, deposit, deposit slip, direct deposit, drawer, debit, electronic funds transfer (ETF), endorse, hold, insufficient funds, interest, joint account, overdraft protection, payee, personal identification number (PIN), maintenance fee, single account 3-2 Reconcile a Bank Statement Account number, balancing, bank statement, ending balance, outstanding checks, outstanding deposits, reconciling, starting balance, statement period Certificate of deposit (CD), interest, interest rate, maturity, minimum balance, money market account, principal, savings account, simple interest, simple interest formula, statement savings 3-4 Explore Compound Interest Annual compounding,, crediting, daily compounding, quarterly compounding, semiannual compounding I understand how checking accounts work. I can complete a check register. 3-2 Reconcile a Bank Statement I can reconcile a checking account with a bank statement by hand and by using a spreadsheet I know the basic vocabulary of savings accounts. I can compute simple interest using the simple interest 3-4 Explore Compound Interest I understand the concept of getting interest on your interest. I can compute using a table. 3-5 Compound Interest Formula I am familiar with the derivation of the I can make computations using the formula Compounding I can compute interest on an account that is continuously compounded. 3-7 Future Value of I can calculate the future value of a I can graph the future value function. I can interpret the graph of the future value function. 3-8 Present Value of of a 3-2 Reconcile a Bank Statement 3-4 Explore Compound Interest 3-5 Compound Interest Formula Compounding 3-7 Future Value of 3-8 Present Value of

5 5 of 11 8/27/2014 2:02 PM How do I graph the future value function? How do I interpret the graph of the future value function? 3-8 Present Value of Value of future deposit Graph the future value function. Interpret the graph of the future value function. 3-8 Present Value of formula Adapting all banking formulas for input into a spreadsheet 3-5 Compound Interest Formula Annual percentage rate (APR), annual percentage yield (APY), compound interest formula Compounding Continuous compounding, continuous compound interest formula, base (e), finite, infinite, limit 3-7 Future Value of Biweekly, future value of a investment, future value of a single deposit investment, periodic investment of a 3-8 Present Value of Present value, present investment, present value of a single deposit investment Chapter 3: Banking Services Chapter 3: Banking Services Banks offer a complete array of paper and electronic services that make access to money easy. In this chapter, students learn the function and computation of interest in short-term, long-term, and accounts. 3-2 Reconcile a Bank Statement 3-4 Explore Compound Interest 3-5 Compound Interest Formula Compounding 3-7 Future Value of 3-8 Present Value of How do checking accounts work? How do you complete a check register? 3-2 Reconcile a Bank StatementHow do I reconcile a checking account with a bank statement by hand and by using a spreadsheet? What is the basic vocabulary of savings accounts? simple interest using the simple interest formula? 3-4 Explore Compound InterestWhat is the concept of getting interest on your interest? using a table? 3-5 Compound Interest FormulaHow do I become familiar with the derivation of the compound interest formula? How do I make computations using the compound interest formula? CompoundingHow do I compute interest on an account that is B - Personal Finance Responsibility ~ Analyze financial decisions for major purchasing events occurring at different stages in life, systematically considering alternatives and consequences G - Money Management / Credit and Debt ~ Identify strategies for personal financial management X - Financial Reporting and Analysis ~ Analyze and perform breakeven and cost benefit analyses to support financial decisions. CC.2.2.HS.D.7 - Algebra ~ Create and graph or inequalities to describe numbers or relationships. CC.2.1.HS.F.2 - Number and Quantity ~ Apply properties of rational and irrational numbers to solve real world or mathematical problems. CC.2.2.HS.D.2 - Algebra ~ Write expressions in equivalent forms to solve problems. Understand how checking accounts work. Complete a check register. 3-2 Reconcile a Bank StatementReconcile a checking account with a bank statement by hand and by using a spreadsheet. Learn the basic vocabulary of savings accounts. Compute simple interest using the simple interest 3-4 Explore Compound InterestUnderstand the concept of getting interest on your interest. Compute compound interest using a table. 3-5 Compound Interest FormulaBecome familiar with the derivation of the Make computations using the compound interest CompoundingCompute interest on an account that is continuously compounded 3-7 Future Value of Using the simple interest formula I=PRT and its algebraic equivalentsunderstanding compounding via iterationderiving the formulacomputing with and without the formula Applying the compound interest formula Introduction to limit notation Approximating e by examining the sequence{(1+1/x)x} Defining the natural base e using the rational and expression limit notation Applying the natural base e in the continuous compounding formula B = Pert Identifying y = axb as decay when x Certificate of deposit (CD), interest, < 1 Identifying y = axb as interest rate, maturity, growth when minimum balance, x > 1 money market account, principal, savings ing a geometric series account, simple interest, Graphing simple interest formula, of the type y = statement savings axb Analyzing rational and their limits Using the compound interest formula to derive the investment formula Using the compound I Automatic teller understand how checking machine (ATM), accounts work. canceled, check, check clearing, checking account, check register, credit, deposit, deposit slip, direct deposit, drawer, debit, electronic funds transfer (ETF), endorse, hold, insufficient funds, interest, joint account, overdraft protection, payee, personal identification number (PIN), maintenance fee, single account 3-2 Reconcile a Bank StatementAccount number, balancing, bank statement, ending balance, outstanding checks, outstanding deposits, reconciling, starting balance, statement period 3-4 Explore Compound InterestAnnual compounding, compound interest, crediting, daily compounding, quarterly compounding, semiannual compounding 3-5 Compound Interest I can complete a check register. 3-2 Reconcile a Bank StatementI can reconcile a checking account with a bank statement by hand and by using a spreadsheet I know the basic vocabulary of savings accounts. I can compute simple interest using the simple interest 3-4 Explore Compound InterestI understand the concept of getting interest on your interest. I can compute using a table. 3-5 Compound Interest FormulaI am familiar with the derivation of the I can make computations using the formula CompoundingI can compute interest on an account that is continuously compounded. 3-7 Future Value of I can calculate the future value of a I can graph the future value function. I can interpret the graph of the future value function. 3-8 Present Value of I can calculate the present value of a CCCS Warmups

6 6 of 11 8/27/2014 2:02 PM continuously compounded? 3-7 Future Value of InvestmentHow do I calculate the future deposit How do I graph the future value function? How do I interpret the graph of the future value function? 3-8 Present Value of How do I calculate the present value of a single deposit the present value of a Calculate the future value of a Graph the future value function. Interpret the graph of the future value function. 3-8 Present Value of Calculate the present deposit interest formula to derive the investment formula Using the future value of a investment formula Adapting all banking formulas for input into a spreadsheet FormulaAnnual percentage rate (APR), annual percentage yield (APY), compound interest formula CompoundingContinuous compounding, continuous compound interest formula, base (e), finite, infinite, limit 3-7 Future Value of Biweekly, future deposit investment, future value of a single deposit investment, periodic investment 3-8 Present Value of Present value, periodic investment, single deposit investment of a Chapter 4: Consumer Credit The understanding and use of credit is extremely important to the consumer since actions taking in the present can have long standing ramifications in the future. Becoming familiar with credit terminology and regulations is critical in making wise credit decisions. Credit comes at a price and in this chapter students learn how to use and manipulate the credit formulas in order to make wise credit choices that fit their needs, current financial situation, and future goals. 4-1 Introduction to Consumer Credit 4-3 Loan Calculations and 4-4 Credit Cards Statement 4-6 Average Daily Balance 4-1 Introduction to Consumer Credit How do I become familiar with the basic terms? How do I become familiar with types of lending institutions? finance charges for installment purchases? How do I read monthly payments from tables? monthly payments using a formula? finance charges on loans? 4-3 Loan Calculations and 4-4 Credit Cards How do I become familiar with the basic cards? an balance? Statement How do I identify and B - Personal Finance Responsibility ~ Analyze financial decisions for major purchasing events occurring at different stages in life, systematically considering alternatives and consequences J - Money Management / Credit and Debt ~ Analyze the total cost of a major purchase loan agreement using fixed and variable interest rates, calculated over time K - Money Management / Credit and Debt ~ Analyze the impact of a positive or negative credit history L - Money Management / Credit and Debt ~ major consumer credit laws and their impact on individuals in debt M - Money Management / Credit and Debt ~ Assess the impact of identity theft; develop a plan for correcting a negative credit report. CC.2.4.HS.B.1 - Statistics and Probability ~ Summarize, represent, and interpret data on a single count or measurement variable. Quantity ~ Apply properties of rational and irrational numbers to solve real world or mathematical problems. CC.2.1.HS.F.4 - Number and Quantity ~ Use units as a way to understand problems and to guide the solution of multi-step problems. 4-1 Introduction to Consumer Credit Become familiar with the basic terms. Become familiar with types of lending institutions. Compute finance charges for installment purchases. Read monthly payments from tables. Compute monthly payments using a Compute finance charges on loans. 4-3 Loan Calculations and 4-4 Credit Cards Become familiar with the basic cards. Compute an balance. Statement Using algebraic proportions Finding and interpreting cubic regression of the form y = ax 3 + bx 2 + cx + d Using slopeintercept form y = mx + b Using and interpreting growth and decay Computing the balanceapplying the monthly payment formulausing slope-intercept Creating algebraic formulas and applying them for use in spreadsheets 4-1 Introduction to Consumer Credit Asset, credit, creditor, credit rating, credit reporting agency, debtor, down payment, earning power, FICO score, finance charge, installment plan, interest Annual percentage rate, balloon payment, collateral, cosigner, lending institution, life insurance, prepayment penalty, prepayment privilege, principal, promissory note, wage assignment, wage garnishment 4-3 Loan Calculations and Cubic function, cubic regression, monthly payment calculator, natural logarithm 4-4 Credit Cards Average daily balance, charge card, credit card, debit card, Electronic Funds Transfer Act, Fair Credit Billing Act, Fair Debt Collection Practices Act, impulse buying, mean, revolving charge account, Truth- In-Lending Act Statement Account number, APR, available credit, balance, billing cycle, billing date, credit card statement, credit line, debit/credit, finance 4-1 Introduction to Consumer Credit I am familiar with the basic terms. I am familiar with types of lending institutions. I can compute finance charges for installment purchases. I can read monthly payments from tables. I can compute monthly payments using a I can compute finance charges on loans. 4-3 Loan Calculations and of a of a investment 4-4 Credit Cards I am familiar with the basic cards. I can compute an balance. Statement I can identify and use the various entries in a credit card statement. 4-6 Average Daily Balance I can calculate the balance using the credit calendar. I can calculate the finance charge using the credit calendar. 4-1 Introduction to Consumer Credit 4-3 Loan Calculations and 4-4 Credit Cards Statement 4-6 Average Daily Balance

7 7 of 11 8/27/2014 2:02 PM use the various entries in a credit card statement? 4-6 Average Daily Balance balance using the credit calendar? finance charge using the credit calendar? Identify and use the various entries in a credit card statement. 4-6 Average Daily Balance balance using the credit calendar. finance charge using the credit calendar. charge, late charges, minimum payment, monthly periodic rate, new balance, new purchases, number of days in billing cycle, payments/credits, payment due date, previous balance, transactions 4-6 Average Daily Balance Average daily balance, billing date, credit calendar Chapter 4: Consumer Credit Chapter 4: Consumer Credit The understanding and use of credit is extremely important to the consumer since actions taking in the present can have long standing ramifications in the future. Becoming familiar with credit terminology and regulations is critical in making wise credit decisions. Credit comes at a price and in this chapter students learn how to use and manipulate the credit formulas in order to make wise credit choices that fit their needs, current financial situation, and future goals. 4-1 Introduction to Consumer Credit 4-3 Loan Calculations and 4-4 Credit Cards Statement 4-6 Average Daily Balance 4-1 Introduction to Consumer CreditHow do I become familiar with the basic terms? How do I become familiar with types of lending institutions? finance charges for installment purchases? How do I read monthly payments from tables? monthly payments using a formula? finance charges on loans? 4-3 Loan Calculations and How do I calculate the the 4-4 Credit CardsHow do I become familiar with the basic cards? an balance? StatementHow do I identify and use the various entries in a credit card statement? 4-6 Average Daily BalanceHow do I calculate the average daily balance using the credit calendar? the finance charge using the credit calendar? B - Personal Finance Responsibility ~ Analyze financial decisions for major purchasing events occurring at different stages in life, systematically considering alternatives and consequences J - Money Management / Credit and Debt ~ Analyze the total cost of a major purchase loan agreement using fixed and variable interest rates, calculated over time K - Money Management / Credit and Debt ~ Analyze the impact of a positive or negative credit history L - Money Management / Credit and Debt ~ major consumer credit laws and their impact on individuals in debt M - Money Management / Credit and Debt ~ Assess the impact of identity theft; develop a plan for correcting a negative credit report. CC.2.4.HS.B.1 - Statistics and Probability ~ Summarize, represent, and interpret data on a single count or measurement variable. Quantity ~ Apply properties of rational and irrational numbers to solve real world or mathematical problems. CC.2.1.HS.F.4 - Number and Quantity ~ Use units as a way to understand problems and to guide the solution of multi-step problems. 4-1 Introduction to Consumer CreditBecome familiar with the basic terms. Become familiar with types of lending institutions. Compute finance charges for installment purchases. Read monthly payments from tables. Compute monthly payments using a Compute finance charges on loans. 4-3 Loan Calculations and Calculate the present value of a present deposit 4-4 Credit CardsBecome familiar with the basic cards. Compute an average daily balance. StatementIdentify and use the various entries in a credit card statement. 4-6 Average Daily Balance balance using the credit calendar. finance charge using the credit calendar. Using algebraic proportionsfinding and interpreting cubic regression of the form y = ax3 + bx2 + cx + d Using slopeintercept form y = mx + b Using and interpreting growth and decay Computing the balanceapplying the monthly payment formulausing slopeintercept Creating algebraic formulas and applying them for use in spreadsheets 4-1 Introduction to Consumer CreditAsset, credit, creditor, credit rating, credit reporting agency, debtor, down payment, earning power, FICO score, finance charge, installment plan, interest Annual percentage rate, balloon payment, collateral, cosigner, lending institution, life insurance, prepayment penalty, prepayment privilege, principal, promissory note, wage assignment, wage garnishment 4-3 Loan Calculations and Cubic function, cubic regression, monthly payment calculator, natural logarithm 4-4 Credit CardsAverage daily balance, charge card, credit card, debit card, Electronic Funds Transfer Act, Fair Credit Billing Act, Fair Debt Collection Practices Act, impulse buying, mean, revolving charge account, Truth- In-Lending Act StatementAccount number, APR, available credit, balance, billing cycle, billing date, credit card statement, credit line, debit/credit, finance charge, late charges, minimum payment, monthly periodic rate, new balance, new purchases, number of days in billing cycle, payments/credits, payment due date, previous balance, transactions 4-6 Average Daily BalanceAverage daily balance, billing date, credit calendar 4-1 Introduction to Consumer CreditI am familiar with the basic terms. I am familiar with types of lending institutions. I can compute finance charges for installment purchases. I can read monthly payments from tables. I can compute monthly payments using a I can compute finance charges on loans. 4-3 Loan Calculations and I can calculate the of a investment 4-4 Credit CardsI am familiar with the basic cards. I can compute an balance. StatementI can identify and use the various entries in a credit card statement. 4-6 Average Daily BalanceI can calculate the balance using the credit calendar. I can calculate the finance charge using the credit calendar. CCCS Warmups Chapter 5: Automobile Ownership Whether it is a used or new car, ownership requires an understanding of the mathematics that models purchasing, insuring, depreciating, and driving that car.

8 8 of 11 8/27/2014 2:02 PM 5-1 Classified Ads 5-2 But or Sell a Car 5-3 Graph Frequency Distributions 5-4 Automobile Insurance 5-5 Linear Automobile 5-6 Historical and Exponential 5-7 Driving Data 5-8 Driving Safety Data 5-9 Accident Investigation Data 5-1 Classified Ads the cost of classified ads for used cars? the cost of sales tax on automobiles? 5-2 Buy or Sell a Car the mean, media, mode, range, quartiles, and interquartile range? 5-3 Graph Frequency Distributions How do I create a frequency distribution from a set of data? How do I use box-and-whisker plots and stem-and-leaf plots to display information? How do I use linear regression to negotiate the purchase or sale of a car? 5-4 Automobile Insurance What are different types of automobile insurance coverage? insurance costs? payments on insurance claims? 5-5 Linear Automobile How do I write, interpret, and graph a straight line equation? 5-6 Historical and Exponential How do I write, interpret, and graph an equation? How do I manipulate the equation in order to determine time, original price, and depreciated value? 5-7 Driving Data How do I write, interpret and use the distance formula? H - Accounting Fundamentals ~ Identify, calculate, and record, depletion and amortization; explain their effect on the financial statements A - Personal Finance Responsibility ~ Evaluate the impact of internal and external influences on financial decisions B - Personal Finance Responsibility ~ Analyze financial decisions for major purchasing events occurring at different stages in life, systematically considering alternatives and consequences H - Money Management / Credit and Debt ~ Evaluate payment methods for major purchases J - Money Management / Credit and Debt ~ Analyze the total cost of a major purchase loan agreement using fixed and variable interest rates, calculated over time. Quantity ~ Apply properties of rational and irrational numbers to solve real world or mathematical problems. CC.2.2.HS.C.3 - Functions ~ Write or sequences that model relationships between two quantities. CC.2.2.HS.D.7 - Algebra ~ Create and graph or inequalities to describe numbers or relationships. CC.2.4.HS.B.5 - Statistics and Probability ~ Make inferences and justify conclusions based on sample surveys, experiments, and observational studies. 5-1 Classified Ads Compute the cost of classified ads for used cars. Compute the cost of sales tax on automobiles. 5-2 Buy or Sell a Car Compute the mean, media, mode, range, quartiles, and interquartile range. 5-3 Graph Frequency Distributions Create a frequency distribution from a set of data. Use box-andwhisker plots and stem-and-leaf plots to display Use linear regression to negotiate the purchase or sale of a car. 5-4 Automobile Insurance Learn about different types of automobile insurance coverage. Compute insurance costs. Compute payments on insurance claims. 5-5 Linear Automobile Write, interpret, and graph a straight line equation. 5-6 Historical and Exponential Write, interpret, and graph an equation. Manipulate the equation in order to determine time, original price, and depreciated value. 5-7 Driving Data Write, interpret and Circles (radius, diameter, chord) Distance Formula Exponential Growth and decay Linear and Linear and inequalities Measures of Central tendency Metric System Natural Logorithms Percents & Proportions Piecewise Quartiles Range Read & Interpret data: frequency tables, stem & leaf plots, box plots Slope, slope intercept form Spreadsheets & formulas Square root Straight Line Systems of linear an inequalities in two variables 5-1 Classified Ads Cusp, domain, piecewise function, sales tax, split function 5-2 Buy or Sell a Car Arithmetic average, ascending order, bimodal, data, descending order, interquartile range (IQR), lower quartile, mean, measures of central tendency, outlier, quartiles, range, resistant, skew, statistics, subscripts, median, outlier, upper quartile 5-3 Graph Frequency Distributions Box-and-whisker plot, boxplot, frequency, frequency distribution, modified boxplot, stem-and-leaf plot 5-4 Automobile Insurance Actuary, automobile insurance, bodily injury liability (BI), car rental insurance, claim, collision insurance, comprehensive insurance, deductible, emergency road service insurance, liable, liability insurance, negligent, no-fault insurance, personal injury protection (PIP), premium, property damage liability (PD), surcharge, uninsured/underinsured motorist protection insurance (UMP) 5-5 Linear Automobile Appreciate, depreciate, slope, straight line, straight line equation 5-6 Historical and Exponential Dollar value, decay,, historical data, historical 5-7 Driving Data Currency exchange rate, distance formula, electronic odometer, English Standard System, fuel economy measurement, 5-1 Classified Ads I can compute the cost of classified ads for used cars. I can compute the cost of sales tax on automobiles. 5-2 Buy or Sell a Car I can compute the mean, media, mode, range, quartiles, and interquartile range. 5-3 Graph Frequency Distributions I can create a frequency distribution from a set of data. I can use box-and-whisker plots and stem-and-leaf plots to display I can use linear regression to negotiate the purchase or sale of a car. 5-4 Automobile Insurance I understand about different types of automobile insurance coverage. I can compute insurance costs. I can compute payments on insurance claims. 5-5 Linear Automobile I can write, interpret, and graph a straight line equation. 5-6 Historical and Exponential I can write, interpret, and graph an equation. I can manipulate the equation in order to determine time, original price, and depreciated value. 5-7 Driving Data I can write, interpret and use the distance I can use the formula for the relationship between distance, fuel economy, and gas usage. 5-8 Driving Safety Data I can calculate reaction time and distance in the English Standard System. I can calculate and use the braking distance in both English Standard and Metric Systems. I can calculate and use the total stopping distance in both the English Standard and Metric Systems. 5-9 Accident Investigation Data I can determine the minimum skid speed using the skid mark

9 erformanceplus - Maps of 11 8/27/2014 2:02 PM How do I use the formula for the relationship between distance, fuel economy, and gas usage? 5-8 Driving Safety Data reaction time and distance in the English Standard System? and use the braking distance in both English Standard and Metric Systems? and use the total stopping distance in both the English Standard and Metric Systems? 5-9 Accident Investigation Data How do I determine the minimum skid speed using the skid mark formula? use the distance Use the formula for the relationship between distance, fuel economy, and gas usage. 5-8 Driving Safety Data Calculate reaction time and distance in the English Standard System. Calculate and use the braking distance in both English Standard and Metric Systems. Calculate and use the total stopping distance in both the English Standard and Metric Systems. 5-9 Accident Investigation Data Determine the minimum skid speed using the skid mark Determine the minimum skid speed using the yaw mark kilometers per liter, mechanical odometer, Metric System, miles per gallon, odometer, speedometer, trip odometer 5-8 Driving Safety Data Braking distance, reaction distance, reaction time, thinking time, total stopping distance 5-9 Accident Investigation Data Accident reconstructionist, anti-lock braking system (ABS), braking efficiency, chord, drag factor, middle ordinate, shallow skid mark, skid distance, skid mark, skid speed formula, yaw mark I can determine the minimum skid speed using the yaw mark Chapter 6: Employment Basics Employment is an integral part of our daily lives. Knowing how salaries are computed, benefits bestowed, and wage taxes calculated allow the employee the opportunity to make smart employment choices both before accepting a job and during the period of employment in that job. Employment 6-2 Pay Periods and Hourly Rates 6-3 Commissions, Piecework Pay Benefits 6-5 Social Security and Employment periodic salary based on annual contract salary? How do I interpret abbreviations in classified ads? How do I express classified ad prices as piecewise? 6-2 Pay Periods and Hourly Rates weekly, semimonthly, and biweekly earnings given annual salary? hourly pay and overtime pay given hourly rate? 6-3 Commissions, Piecework Pay pay based on percent commission? piecework pay? How do I understand advantages and disadvantages of pay based on production? M - Accounting Fundamentals ~ Analyze and calculate gross pay and net pay, including regular and overtime wages, commission, and piece rate D - Personal Finance Responsibility ~ Develop criteria to evaluate employment options. Quantity ~ Apply properties of rational and irrational numbers to solve real world or mathematical problems. CC.2.1.HS.F.3 - Number and Quantity ~ Apply quantitative reasoning to choose and Interpret units and scales in formulas, graphs and data displays. Employment Compute periodic salary based on annual contract salary. Interpret abbreviations in classified ads. Express classified ad prices as piecewise. 6-2 Pay Periods and Hourly Rates Compute weekly, semimonthly, and biweekly earnings given annual salary. Compute hourly pay and overtime pay given hourly rate. 6-3 Commissions, Piecework Pay Compute pay based on percent commission. Compute piecework pay. Understand advantages and disadvantages of pay based on production. Benefits Understand and calculate the value Cusps Exponential Graphs Linear Functions Liiteral Functions Measures of Central Tendancy Percent Discount Piecewise Functions Spreadsheets & formulas Employment Benefits, discount, employment agency, fee paid, Form W-4: Employee s Withholding Allowance Certificate, resume 6-2 Pay Periods and Hourly Rates Biweekly, direct deposit, double-time pay, gross pay, hourly rate, monthly pay, overtime hours, overtime hourly rate, semimonthly, time-anda-half overtime, weekly pay 6-3 Commissions, Piecework Pay Benefits Base period, childcare leave, employee benefits, family health care, individual health care, insurance, paid vacation time, paid holiday time, pension, retirement plans, stock ownership plans, unemployment insurance, worker s compensation 6-5 Social Security and Employment I can compute periodic salary based on annual contract salary. I can interpret abbreviations in classified ads. I can express classified ad prices as piecewise. 6-2 Pay Periods and Hourly Rates I can compute weekly, semimonthly, and biweekly earnings given annual salary. I can compute hourly pay and overtime pay given hourly rate. 6-3 Commissions, Royalties, and Piecework Pay I can compute pay based on percent commission. I can compute piecework pay. Commission, pieceworker, piecework I understand advantages and rate, royalty disadvantages of pay based on production. Benefits I understand and calculate the value of certain employee benefits. 6-5 Social Security and I can compute paycheck deductions for Social Security. I can compute paycheck deductions for.